Embed Size (px)
Citation preview
No Interoperability? No
Problem!How organizations are sending mobile
money even when clients are on different
networks
December 5, 2013
Welcome!
Agenda
1. Technical Housekeeping
2. Poll: Getting to know our audience
3. USAID’s commitment to Electronic and Mobile Payments
4. Why are we here?
5. Hearing from an Aggregator: Yo! Payments Uganda
6. Hearing from an Aggregator: Selcom Tanzania
7. Hearing from an implementing partner: JSI Tanzania
8. Q & A
Mobile Money Resources
USAID’s Commitment to Electronic & Mobile Payments
USAID’s commitment to electronic
payments and mobile money
Mobile Money Resources
Introduction to Mobile Money Self Paced Course
http://techchange.org/media/introduction-to-mobile-money/
Mobile Money Resources
Why are we here?
“The ability of a system to work with or use the parts
or equipment of other systems” – Merriam-Webster
ATM networks are
interoperable allowing
you to withdraw cash
from most locations
around the globe
Airlines allow flight
information to be passed
between booking
systems, and manage
luggage through an
interoperable system.
SMS messages can be
sent and received by any
mobile network
Interoperability
0
1
2
3
4
5
6
7SMS Hubs
facilitate
Interoperability
208 Mobile Money (MM) Deployments
Status of Interoperable MM Platforms Today
IndonesiaNigeria
Interoperability Scenarios for MM
Platform to Platform
Interoperability allows
customers to make
mobile money
transactions between
different mobile money
platforms
Agent and Merchant
Level Interoperability
allows agents and
merchants to transact
between multiple mobile
money platforms
Interoperability with
cross-border
platforms allows for
international
remittances
Interoperability with financial
institutions and other payment
networks allows access to services
like e-wallet-to-bank account
transfers and transactions with
merchants that accept
Visa/Mastercard
A customer can
connect to his e-wallet
from any network
1 2 3
4 5
Source: Mobile Finance and Interoperability: Seperating Fact from Fiction, May 2012, Open Revolution, The Fletcher School, and NetHope
Different Types MM Payment Streams
MFI/NG
O/Compa
ny
Loan disbursements, per diems, cash transfers
Business to Person (B2P)
Person to Person (P2P)
Sending money to friends and family
Government to Person (G2P)
Gov
Store Wholesaler
Business to Business (B2B)
Retail store paying a wholesaler,
organizations paying other vendors
Welfare payments, tax rebates
Person to Business (P2P)
Loan reimbursements, Bill pay
1
2
3
4
5
MFI/NG
O/Compa
ny
Today’s Focus: B2P (or Bulk Payment) and Platform
to Platform Interoperability
Platform to Platform Interoperability allows
customers to make mobile
money transactions
between different mobile
money platforms
MFI/NGO
/Company
Loan disbursements, per diems, cash transfers,
voucher programs, salary disbursements
Business to Person (B2P)
Company or
Organization
MNO # 1
MNO # 2
MNO # 3
MNO # 1
What is an off-net transaction?
Company or
Organization
MNO # 1
MNO # 2
MNO # 3
MNO # 1
Money is disbursed
directly into
recipients mobile
money wallet
MNO # 1
What is an off-net transaction?
Company or
Organization
MNO # 1
MNO # 2
MNO # 3
MNO # 1
Money is disbursed
in the form of a
token. Expires in 7
days, must cash out
100% of token
MNO # 2 MNO # 3
What is an off-net transaction?
Company or
Organization
MNO # 1
MNO # 2
MNO # 3
MNO # 1
What is an off-net transaction?
Potential solutions to off-net transactions
MNO # 1
MNO # 2
MNO # 3
Company or
Organization
Enter into contracts with all
three MNOs, and use three
different bulk payment
platforms to make payments
Company or
Organization
MNO # 1 Make sure all recipients
have sim cards and mobile
wallets on the MNO you
have a contract with
Or…
Company or
Organization
Aggregator
Money is disbursed directly to all
recipient’s mobile money wallets,
regardless of their network
carrier
Consider contracting an Aggregator
MNO #1 MNO #2 MNO #3
